Electronic device and payment method using the same

ABSTRACT

An electronic device is provided. The electronic device includes a communication module communicable with an external device, a display, a memory, and at least one processor operatively connected to the communication module, wherein the at least one processor is configured to display at least one image and/or text related to payment information on the display in response to at least a part of a user input, determine whether to start a payment process in response to identification of a user authentication, transmit a first signal for requesting an authentication to the external device in response to identification of an approach of the external device within a predetermined distance from the electronic device, and transmit a second signal related to the payment process in response to identification of an authentication of the external device, and determine whether to complete the payment process using the electronic device.

CROSS-REFERENCE TO RELATED APPLICATION(S)

This application is a continuation application, claiming priority under§ 365(c), of an International application No. PCT/KR2022/012973, filedon Aug. 30, 2022, which is based on and claims the benefit of a Koreanpatent application No. 10-2021-0133473, filed on Oct. 7, 2021, in theKorean Intellectual Property Office, and of a Korean patent applicationNo. 10-2022-0038675, filed on Mar. 29, 2022, the disclosure of each ofwhich is incorporated by reference herein in its entirety.

TECHNICAL FIELD

The disclosure relates to an electronic device, and may include apayment transfer method between electronic devices. More particularly,the disclosure relates to a method and an apparatus, in which anelectronic device transmits payment and non-payment information beingprovided through various wallet applications to another external device.

BACKGROUND ART

With the spread of various electronic devices, such as a smart phone, atablet personal computer (PC), a portable multimedia player (PMP), apersonal digital assistant (PDA), a laptop personal computer (laptopPC), and a wearable device, interests have been increased in atechnology to perform a simple payment by using various electronicdevices.

For example, a technology has also been developed, which performs asimple payment by using communication with a payment terminal (point ofsale (POS)) through a near field communication module included in anelectronic device. Further, a technology has also been developed, whichperforms a simple payment in a manner that an electronic device outputsa magnetic stripe transmission (MST) signal that is a magnetic fieldsignal being generated during swiping of a payment card (e.g., a creditcard, a debit card, or a check card) that is the existing payment meansin the payment terminal, and the payment terminal recognizes the outputmagnetic field.

In case of the technology in which the electronic device outputs the MSTsignal that is the same magnetic field signal as the magnetic fieldbeing generated during the swiping of the payment card on the paymentterminal, it can be used in the existing payment terminal even withoutan additional device, and thus has been widely spread.

Further, as a worldwide cash alternative means, a need for a centralbank digital currency (CBDC) that is a digital currency being issued andmanaged by Central bank has arisen, and in this case, a base technologybeing considered is a block chain based online CBDC.

The above information is presented as background information only toassist with an understanding of the disclosure. No determination hasbeen made, and no assertion is made, as to whether any of the abovemight be applicable as prior art with regard to the disclosure.

DISCLOSURE Technical Problem

Since the central bank digital currency (CBDC) that operates on onlineessentially requires a network connection, it may have a problem in thatit is difficult to proceed with a payment in a situation where thenetwork does not operate (e.g., disaster situation). For example, it maybe difficult that the online CBDC serves as a means for replacing cashin a specific situation.

Therefore, in order for the CBDC to replace cash, an offline CBDCtechnology capable of performing a payment even in an offline situationmay be necessary. However, the existing payment system has the limits inthat the payment is possible only in case that at least one electronicdevice (e.g., point of sales (POS) device) is always connected to anetwork, and thus in case that both electronic devices that participatein the payment are offline, the payment is not possible.

Aspects of the disclosure are to address at least the above-mentionedproblems and/or disadvantages and to provide at least the advantagesdescribed below. Accordingly, as aspect of the disclosure is to providean electronic device and a payment method using the same.

Additional aspects will be set forth in part in the description whichfollows and, in part, will be apparent from the description, or may belearned by practice of the presented embodiments.

Technical Solution

In accordance with an aspect of the disclosure, an electronic device isprovided. The electronic device includes a communication modulecommunicable with an external device, a display, a memory, and at leastone processor. The at least one processor may be configured to displayat least one image and/or text related to payment information on thedisplay in response to at least a part of a user input, determinewhether to start a payment process using the electronic device inresponse to identification of a user authentication, transmit a firstsignal for requesting an authentication to the external device inresponse to identification of an approach of the external device withina predetermined distance from the electronic device and transmit asecond signal related to the payment process by using the communicationmodule in response to identification of an authentication of theexternal device, determine whether to complete the payment process usingthe electronic device in response to identification of a response of theexternal device for the second signal and transmit a third signal forindicating that the payment process has been completed to the externaldevice by using the communication module in response to determination ofa completion of the payment process, and control the external device tobe in an untradeable state in response to a case where the response ofthe external device for the third signal is unable to be identifiedwithin a predetermined time after the third signal is transmitted.

In accordance with another aspect of the disclosure, a payment methodusing an electronic device is provided. The payment method includesdisplaying at least one image and/or text related to payment informationon the display in response to at least a part of a user input,determining whether to start a payment process using the electronicdevice in response to identification of a user authentication,transmitting a first signal for requesting an authentication to anexternal device by using a communication module in response toidentification of an approach of the external device within apredetermined distance from the electronic device, transmitting a secondsignal related to the payment process by using the communication modulein response to identification of an authentication of the externaldevice, determining whether to complete the payment process using theelectronic device in response to identification of a response of theexternal device for the second signal, and transmitting a third signalfor indicating that the payment process has been completed to theexternal device by using the communication module in response todetermination of a completion of the payment process, and controllingthe external device to be in an untradeable state in response to a casewhere the response of the external device for the third signal is unableto be identified within a predetermined time after the third signal istransmitted.

Advantageous Effects

According to the various embodiments of the disclosure, the electronicdevice can complete transactions of both sides even in case of anoffline state when participating in the payment.

Further, the electronic device can prevent double spending even in anoffline state, and can prevent forgery of transactions of the otherparty. The electronic device can prevent an occurrence of counterfeitmoney that may occur due to a difference between transaction informationof any one side and transaction information of the other side.

According to various embodiments of the disclosure, the electronicdevice can control to perform the payment with mutual trust by designingthe payment system so that the transaction can be normally completedeven in case that the payment is not completed due to an arbitrarydetach of the terminal during the payment.

Other aspects, advantages, and salient features of the disclosure willbecome apparent to those skilled in the art from the following detaileddescription, which, taken in conjunction with the annexed drawings,discloses various embodiments of the disclosure.

DESCRIPTION OF DRAWINGS

The above and other aspects, features, and advantages of certainembodiments of the disclosure will be more apparent from the followingdescription taken in conjunction with the accompanying drawings, inwhich:

FIG. 1 is a block diagram of an electronic device in a networkenvironment according to an embodiment of the disclosure;

FIG. 2 is a configuration diagram of an electronic device according toan embodiment of the disclosure;

FIG. 3 is a block diagram illustrating a configuration of an electronicdevice according to an embodiment of the disclosure;

FIG. 4 illustrates an internal structure of a wallet applet of anelectronic device according to an embodiment of the disclosure;

FIG. 5A illustrates an offline remittance process of an electronicdevice according to an embodiment of the disclosure;

FIG. 5B illustrates an offline payment process of an electronic deviceaccording to an embodiment of the disclosure;

FIGS. 6A and 6B illustrate a general transaction process on offline ofan electronic device according to various embodiments of the disclosure;

FIGS. 6C and 6D illustrate a UI that is displayed on a screen of anelectronic device according to various embodiments of the disclosure;

FIG. 6E is a diagram illustrating a situation where an electronic deviceand an external device approach each other according to an embodiment ofthe disclosure;

FIG. 6F illustrates a UE that is displayed on a screen of an electronicdevice according to an embodiment of the disclosure;

FIGS. 7A, 7B, 7C, 7D, and 7E illustrate a transaction process and anerror situation on offline of an electronic device according to variousembodiments of the disclosure;

FIGS. 8A and 8B illustrate a process of reconfirming a payment when apayment is stopped due to an error situation of an electronic deviceaccording to various embodiments of the disclosure; and

FIG. 9 is a flowchart illustrating a payment method of an electronicdevice according to an embodiment of the disclosure.

Throughout the drawings, like reference numerals will be understood torefer to like parts, components, and structures.

MODE FOR DISCLOSURE

The following description with reference to the accompanying drawings isprovided to assist in a comprehensive understanding of variousembodiments of the disclosure as defined by the claims and theirequivalents. It includes various specific details to assist in thatunderstanding but these are to be regarded as merely exemplary.Accordingly, those of ordinary skill in the art will recognize thatvarious changes and modifications of the various embodiments describedherein can be made without departing from the scope and spirit of thedisclosure. In addition, descriptions of well-known functions andconstructions may be omitted for clarity and conciseness.

The terms and words used in the following description and claims are notlimited to the bibliographical meanings, but, are merely used by theinventor to enable a clear and consistent understanding of thedisclosure. Accordingly, it should be apparent to those skilled in theart that the following description of various embodiments of thedisclosure is provided for illustration purpose only and not for thepurpose of limiting the disclosure as defined by the appended claims andtheir equivalents.

It is to be understood that the singular forms “a,” “an,” and “the”include plural referents unless the context clearly dictates otherwise.Thus, for example, reference to “a component surface” includes referenceto one or more of such surfaces.

FIG. 1 is a block diagram illustrating an electronic device in a networkenvironment according to an embodiment of the disclosure.

Referring to FIG. 1 , an electronic device 101 in a network environment100 may communicate with an external electronic device 102 via a firstnetwork 198 (e.g., a short-range wireless communication network), or atleast one of an external electronic device 104 or a server 108 via asecond network 199 (e.g., a long-range wireless communication network).According to an embodiment of the disclosure, the electronic device 101may communicate with the external electronic device 104 via the server108. According to an embodiment of the disclosure, the electronic device101 may include a processor 120, a memory 130, an input module 150, asound output module 155, a display module 160, an audio module 170, asensor module 176, an interface 177, a connecting terminal 178, a hapticmodule 179, a camera module 180, a power management module 188, abattery 189, a communication module 190, a subscriber identificationmodule (SIM) 196, or an antenna module 197. In some embodiments of thedisclosure, at least one of the components (e.g., the connectingterminal 178) may be omitted from the electronic device 101, or one ormore other components may be added in the electronic device 101. In someembodiments of the disclosure, some of the components (e.g., the sensormodule 176, the camera module 180, or the antenna module 197) may beimplemented as a single component (e.g., the display module 160).

The processor 120 may execute, for example, software (e.g., a program140) to control at least one other component (e.g., a hardware orsoftware component) of the electronic device 101 coupled with theprocessor 120, and may perform various data processing or computation.According to one embodiment of the disclosure, as at least part of thedata processing or computation, the processor 120 may store a command ordata received from another component (e.g., the sensor module 176 or thecommunication module 190) in a volatile memory 132, process the commandor the data stored in the volatile memory 132, and store resulting datain a non-volatile memory 134. According to an embodiment of thedisclosure, the processor 120 may include a main processor 121 (e.g., acentral processing unit (CPU) or an application processor (AP)), or anauxiliary processor 123 (e.g., a graphics processing unit (GPU), aneural processing unit (NPU), an image signal processor (ISP), a sensorhub processor, or a communication processor (CP)) that is operableindependently from, or in conjunction with, the main processor 121. Forexample, when the electronic device 101 includes the main processor 121and the auxiliary processor 123, the auxiliary processor 123 may beadapted to consume less power than the main processor 121, or to bespecific to a specified function. The auxiliary processor 123 may beimplemented as separate from, or as part of the main processor 121.

The auxiliary processor 123 may control at least some of functions orstates related to at least one component (e.g., the display module 160,the sensor module 176, or the communication module 190) among thecomponents of the electronic device 101, instead of the main processor121 while the main processor 121 is in an inactive (e.g., sleep) state,or together with the main processor 121 while the main processor 121 isin an active state (e.g., executing an application). According to anembodiment of the disclosure, the auxiliary processor 123 (e.g., animage signal processor or a communication processor) may be implementedas part of another component (e.g., the camera module 180 or thecommunication module 190) functionally related to the auxiliaryprocessor 123. According to an embodiment of the disclosure, theauxiliary processor 123 (e.g., the neural processing unit) may include ahardware structure specified for artificial intelligence modelprocessing. An artificial intelligence model may be generated by machinelearning. Such learning may be performed, e.g., by the electronic device101 where the artificial intelligence is performed or via a separateserver (e.g., the server 108). Learning algorithms may include, but arenot limited to, e.g., supervised learning, unsupervised learning,semi-supervised learning, or reinforcement learning. The artificialintelligence model may include a plurality of artificial neural networklayers. The artificial neural network may be a deep neural network(DNN), a convolutional neural network (CNN), a recurrent neural network(RNN), a restricted boltzmann machine (RBM), a deep belief network(DBN), a bidirectional recurrent deep neural network (BRDNN), deepQ-network or a combination of two or more thereof but is not limitedthereto. The artificial intelligence model may, additionally oralternatively, include a software structure other than the hardwarestructure.

The memory 130 may store various data used by at least one component(e.g., the processor 120 or the sensor module 176) of the electronicdevice 101. The various data may include, for example, software (e.g.,the program 140) and input data or output data for a command relatedthereto. The memory 130 may include the volatile memory 132 or thenon-volatile memory 134.

The program 140 may be stored in the memory 130 as software, and mayinclude, for example, an operating system (OS) 142, middleware 144, oran application 146.

The input module 150 may receive a command or data to be used by anothercomponent (e.g., the processor 120) of the electronic device 101, fromthe outside (e.g., a user) of the electronic device 101. The inputmodule 150 may include, for example, a microphone, a mouse, a keyboard,a key (e.g., a button), or a digital pen (e.g., a stylus pen).

The sound output module 155 may output sound signals to the outside ofthe electronic device 101. The sound output module 155 may include, forexample, a speaker or a receiver. The speaker may be used for generalpurposes, such as playing multimedia or playing record. The receiver maybe used for receiving incoming calls. According to an embodiment of thedisclosure, the receiver may be implemented as separate from, or as partof the speaker.

The display module 160 may visually provide information to the outside(e.g., a user) of the electronic device 101. The display module 160 mayinclude, for example, a display, a hologram device, or a projector andcontrol circuitry to control a corresponding one of the displays,hologram device, and projector. According to an embodiment of thedisclosure, the display module 160 may include a touch sensor adapted todetect a touch, or a pressure sensor adapted to measure the intensity offorce incurred by the touch.

The audio module 170 may convert a sound into an electrical signal andvice versa. According to an embodiment of the disclosure, the audiomodule 170 may obtain the sound via the input module 150, or output thesound via the sound output module 155 or a headphone of an externalelectronic device (e.g., an external electronic device 102) directly(e.g., wiredly) or wirelessly coupled with the electronic device 101.

The sensor module 176 may detect an operational state (e.g., power ortemperature) of the electronic device 101 or an environmental state(e.g., a state of a user) external to the electronic device 101, andthen generate an electrical signal or data value corresponding to thedetected state. According to an embodiment of the disclosure, the sensormodule 176 may include, for example, a gesture sensor, a gyro sensor, anatmospheric pressure sensor, a magnetic sensor, an acceleration sensor,a grip sensor, a proximity sensor, a color sensor, an infrared (IR)sensor, a biometric sensor, a temperature sensor, a humidity sensor, oran illuminance sensor.

The interface 177 may support one or more specified protocols to be usedfor the electronic device 101 to be coupled with the external electronicdevice (e.g., the external electronic device 102) directly (e.g.,wiredly) or wirelessly. According to an embodiment of the disclosure,the interface 177 may include, for example, a high definition multimediainterface (HDMI), a universal serial bus (USB) interface, a securedigital (SD) card interface, or an audio interface.

A connecting terminal 178 may include a connector via which theelectronic device 101 may be physically connected with the externalelectronic device (e.g., the external electronic device 102). Accordingto an embodiment of the disclosure, the connecting terminal 178 mayinclude, for example, a HDMI connector, a USB connector, a SD cardconnector, or an audio connector (e.g., a headphone connector).

The haptic module 179 may convert an electrical signal into a mechanicalstimulus (e.g., a vibration or a movement) or electrical stimulus whichmay be recognized by a user via his tactile sensation or kinestheticsensation. According to an embodiment of the disclosure, the hapticmodule 179 may include, for example, a motor, a piezoelectric element,or an electric stimulator.

The camera module 180 may capture a still image or moving images.According to an embodiment of the disclosure, the camera module 180 mayinclude one or more lenses, image sensors, image signal processors, orflashes.

The power management module 188 may manage power supplied to theelectronic device 101. According to one embodiment of the disclosure,the power management module 188 may be implemented as at least part of,for example, a power management integrated circuit (PMIC).

The battery 189 may supply power to at least one component of theelectronic device 101. According to an embodiment of the disclosure, thebattery 189 may include, for example, a primary cell which is notrechargeable, a secondary cell which is rechargeable, or a fuel cell.

The communication module 190 may support establishing a direct (e.g.,wired) communication channel or a wireless communication channel betweenthe electronic device 101 and the external electronic device (e.g., theexternal electronic device 102, the external electronic device 104, orthe server 108) and performing communication via the establishedcommunication channel The communication module 190 may include one ormore communication processors that are operable independently from theprocessor 120 (e.g., the application processor (AP)) and supports adirect (e.g., wired) communication or a wireless communication.According to an embodiment of the disclosure, the communication module190 may include a wireless communication module 192 (e.g., a cellularcommunication module, a short-range wireless communication module, or aglobal navigation satellite system (GNSS) communication module) or awired communication module 194 (e.g., a local area network (LAN)communication module or a power line communication (PLC) module). Acorresponding one of these communication modules may communicate withthe external electronic device via the first network 198 (e.g., ashort-range communication network, such as Bluetooth™, wireless-fidelity(Wi-Fi) direct, or infrared data association (IrDA)) or the secondnetwork 199 (e.g., a long-range communication network, such as a legacycellular network, a 5^(th) generation (5G) network, a next-generationcommunication network, the Internet, or a computer network (e.g., LAN orwide area network (WAN)). These various types of communication modulesmay be implemented as a single component (e.g., a single chip), or maybe implemented as multi components (e.g., multi chips) separate fromeach other. The wireless communication module 192 may identify andauthenticate the electronic device 101 in a communication network, suchas the first network 198 or the second network 199, using subscriberinformation (e.g., international mobile subscriber identity (IMSI))stored in the subscriber identification module 196.

The wireless communication module 192 may support a 5G network, after a4^(th) generation (4G) network, and next-generation communicationtechnology, e.g., new radio (NR) access technology. The NR accesstechnology may support enhanced mobile broadband (eMBB), massive machinetype communications (mMTC), or ultra-reliable and low-latencycommunications (URLLC). The wireless communication module 192 maysupport a high-frequency band (e.g., the millimeter wave (mmWave) band)to achieve, e.g., a high data transmission rate. The wirelesscommunication module 192 may support various technologies for securingperformance on a high-frequency band, such as, e.g., beamforming,massive multiple-input and multiple-output (massive MIMO), fulldimensional MIMO (FD-MIMO), array antenna, analog beam-forming, orlarge-scale antenna. The wireless communication module 192 may supportvarious requirements specified in the electronic device 101, an externalelectronic device (e.g., the external electronic device 104), or anetwork system (e.g., the second network 199). According to anembodiment of the disclosure, the wireless communication module 192 maysupport a peak data rate (e.g., 20 Gbps or more) for implementing eMBB,loss coverage (e.g., 164 dB or less) for implementing mMTC, or U-planelatency (e.g., 0.5 ms or less for each of downlink (DL) and uplink (UL),or a round trip of 1 ms or less) for implementing URLLC.

The antenna module 197 may transmit or receive a signal or power to orfrom the outside (e.g., the external electronic device) of theelectronic device 101. According to an embodiment of the disclosure, theantenna module 197 may include an antenna including a radiating elementincluding a conductive material or a conductive pattern formed in or ona substrate (e.g., a printed circuit board (PCB)). According to anembodiment of the disclosure, the antenna module 197 may include aplurality of antennas (e.g., array antennas). In such a case, at leastone antenna appropriate for a communication scheme used in thecommunication network, such as the first network 198 or the secondnetwork 199, may be selected, for example, by the communication module190 (e.g., the wireless communication module 192) from the plurality ofantennas. The signal or the power may then be transmitted or receivedbetween the communication module 190 and the external electronic devicevia the selected at least one antenna. According to an embodiment of thedisclosure, another component (e.g., a radio frequency integratedcircuit (RFIC)) other than the radiating element may be additionallyformed as part of the antenna module 197.

According to various embodiments of the disclosure, the antenna module197 may form a mmWave antenna module. According to an embodiment of thedisclosure, the mmWave antenna module may include a printed circuitboard, a RFIC disposed on a first surface (e.g., the bottom surface) ofthe printed circuit board, or adjacent to the first surface and capableof supporting a designated high-frequency band (e.g., the mmWave band),and a plurality of antennas (e.g., array antennas) disposed on a secondsurface (e.g., the top or a side surface) of the printed circuit board,or adjacent to the second surface and capable of transmitting orreceiving signals of the designated high-frequency band.

At least some of the above-described components may be coupled mutuallyand communicate signals (e.g., commands or data) therebetween via aninter-peripheral communication scheme (e.g., a bus, general purposeinput and output (GPIO), serial peripheral interface (SPI), or mobileindustry processor interface (MIPI)).

According to an embodiment of the disclosure, commands or data may betransmitted or received between the electronic device 101 and theexternal electronic device 104 via the server 108 coupled with thesecond network 199. Each of the external electronic devices 102 or 104may be a device of a same type as, or a different type, from theelectronic device 101. According to an embodiment of the disclosure, allor some of operations to be executed at the electronic device 101 may beexecuted at one or more of the external electronic devices 102, 104, or108. For example, if the electronic device 101 should perform a functionor a service automatically, or in response to a request from a user oranother device, the electronic device 101, instead of, or in additionto, executing the function or the service, may request the one or moreexternal electronic devices to perform at least part of the function orthe service. The one or more external electronic devices receiving therequest may perform the at least part of the function or the servicerequested, or an additional function or an additional service related tothe request, and transfer an outcome of the performing to the electronicdevice 101. The electronic device 101 may provide the outcome, with orwithout further processing of the outcome, as at least part of a replyto the request. To that end, a cloud computing, distributed computing,mobile edge computing (MEC), or client-server computing technology maybe used, for example. The electronic device 101 may provide ultralow-latency services using, e.g., distributed computing or mobile edgecomputing. In another embodiment of the disclosure, the externalelectronic device 104 may include an internet-of-things (IoT) device.The server 108 may be an intelligent server using machine learningand/or a neural network. According to an embodiment of the disclosure,the external electronic device 104 or the server 108 may be included inthe second network 199. The electronic device 101 may be applied tointelligent services (e.g., a smart home, a smart city, a smart car, orhealthcare) based on 5G communication technology or IoT-relatedtechnology.

The electronic device according to various embodiments may be one ofvarious types of electronic devices. The electronic devices may include,for example, a portable communication device (e.g., a smailphone), acomputer device, a portable multimedia device, a portable medicaldevice, a camera, a wearable device, or a home appliance. According toan embodiment of the disclosure, the electronic devices are not limitedto those described above.

It should be appreciated that various embodiments of the disclosure andthe terms used therein are not intended to limit the technologicalfeatures set forth herein to particular embodiments and include variouschanges, equivalents, or replacements for a corresponding embodiment.With regard to the description of the drawings, similar referencenumerals may be used to refer to similar or related elements. As usedherein, each of such phrases as “A or B,” “at least one of A and B,” “atleast one of A or B,” “A, B, or C,” “at least one of A, B, and C,” and“at least one of A, B, or C,” may include any one of, or all possiblecombinations of the items enumerated together in a corresponding one ofthe phrases. As used herein, such terms as “1st” and “2nd,” or “first”and “second” may be used to simply distinguish a corresponding componentfrom another, and does not limit the components in other aspect (e.g.,importance or order). It is to be understood that if an element (e.g., afirst element) is referred to, with or without the term “operatively” or“communicatively”, as “coupled with,” “coupled to,” “connected with,” or“connected to” another element (e.g., a second element), it means thatthe element may be coupled with the other element directly (e.g.,wiredly), wirelessly, or via a third element.

As used in connection with various embodiments of the disclosure, theterm “module” may include a unit implemented in hardware, software, orfirmware, and may interchangeably be used with other terms, for example,“logic,” “logic block,” “part,” or “circuitry”. A module may be a singleintegral component, or a minimum unit or part thereof, adapted toperform one or more functions. For example, according to an embodimentof the disclosure, the module may be implemented in a form of anapplication-specific integrated circuit (ASIC).

Various embodiments as set forth herein may be implemented as software(e.g., the program 140) including one or more instructions that arestored in a storage medium (e.g., an internal memory 136 or an externalmemory 138) that is readable by a machine (e.g., the electronic device101). For example, a processor (e.g., the processor 120) of the machine(e.g., the electronic device 101) may invoke at least one of the one ormore instructions stored in the storage medium, and execute it, with orwithout using one or more other components under the control of theprocessor. This allows the machine to be operated to perform at leastone function according to the at least one instruction invoked. The oneor more instructions may include a code generated by a complier or acode executable by an interpreter. The machine-readable storage mediummay be provided in the form of a non-transitory storage medium. Wherein,the term “non-transitory” simply means that the storage medium is atangible device, and does not include a signal (e.g., an electromagneticwave), but this term does not differentiate between where data issemi-permanently stored in the storage medium and where the data istemporarily stored in the storage medium.

According to an embodiment of the disclosure, a method according tovarious embodiments of the disclosure may be included and provided in acomputer program product. The computer program product may be traded asa product between a seller and a buyer. The computer program product maybe distributed in the form of a machine-readable storage medium (e.g., acompact disc read only memory (CD-ROM)), or be distributed (e.g.,downloaded or uploaded) online via an application store (e.g.,PlayStore™), or between two user devices (e.g., smart phones) directly.If distributed online, at least part of the computer program product maybe temporarily generated or at least temporarily stored in themachine-readable storage medium, such as memory of the manufacturer'sserver, a server of the application store, or a relay server.

According to various embodiments of the disclosure, each component(e.g., a module or a program) of the above-described components mayinclude a single entity or multiple entities, and some of the multipleentities may be separately disposed in different components. Accordingto various embodiments of the disclosure, one or more of theabove-described components may be omitted, or one or more othercomponents may be added. Alternatively or additionally, a plurality ofcomponents (e.g., modules or programs) may be integrated into a singlecomponent. In such a case, according to various embodiments of thedisclosure, the integrated component may still perform one or morefunctions of each of the plurality of components in the same or similarmanner as they are performed by a corresponding one of the plurality ofcomponents before the integration. According to various embodiments ofthe disclosure, operations performed by the module, the program, oranother component may be carried out sequentially, in parallel,repeatedly, or heuristically, or one or more of the operations may beexecuted in a different order or omitted, or one or more otheroperations may be added.

FIG. 2 is a constitution diagram of an electronic device according to anembodiment of the disclosure.

Referring to FIG. 2 , an electronic device 101 may include acommunication module 190 as an internal constituent element. By usingthe communication module 190, the electronic device 101 may transmit orreceive data to or from an external device 19A, and may perform a callfunction, a media function, and the like.

The electronic device 101 may transmit transaction data by using thecommunication module 190. The transaction data may mean informationstored in a storage module (e.g., the memory 130 of FIG. 1 ) included inthe electronic device 101. The storage module may mean a storage spacethat is built in the electronic device 101 or is connected to theelectronic device 101.

According to an embodiment of the disclosure, the transaction datagenerated by a data generation module may include security data orpayment information. The security may be data obtained by encrypting thedata stored in the storage module. The payment information may include aprimary account number (PAN), a device account number (DAN), virtualcredit card information, a band information number (BIN), a cardsecurity code (CSC), a card verification value (CVV), or cryptogramstored in the storage module.

In various embodiments of the disclosure, the electronic device 101 mayperform a payment function for goods or service purchase by using thecommunication module 190. The electronic device 101 may transmit paymentinformation to the external device 19A based on a user input. Theelectronic device 101 may pay costs for the good or service bytransmitting the payment information. Even without a separate wallet ora credit card, a user can easily proceed with the payment by contactingor approaching the electronic device 101 to the external device 19A(e.g., the credit card reader or payment receiver).

In an embodiment of the disclosure, the electronic device 101 mayprovide the payment information including at least one of goods purchaseor service purchase to the external device 19A. The electronic device101 may perform an authentication process (e.g., password input orfingerprint recognition) designated in a payment process. The electronicdevice 101 may provide the payment information to the external device19A by using a near field communication method (e.g., an NFCcommunication or MST communication), and the external device 19A mayperform the payment based on the received payment information. The nearfield communication (NFC) communication may mean an encryptednon-contact near field communication method. The magnetic securetransmission (MST) communication may mean a method for transmittinginformation by copying an inherent magnetic field pattern generated froma magnetic line.

According to various embodiments of the disclosure, the communicationmodule 190 may include one or more sub-communication modules that canperform an offline payment. The one or more sub-communication modulesmay include, for example, NFC modules 127 and MST modules 128.

For example, the near field communication (NFC) module 127 may supportnear field communication capable of performing duplex communication withrespect to data in a designated frequency band (e.g., 13.56 MHz) betweendevices mounted with NFC chips. The NFC module 127 may operate in amanual communication mode in which a channel is formed by being suppliedwith a power from a magnetic field generated by the external device 19Aor in an active communication mode in which a channel is formed bydirectly generating a magnetic field.

The NFC module 127 may operate in accordance with a predetermined NFCsignal period. In case that the NFC module 127 operates in the manualcommunication mode, the NFC signal period may be configured to includeonly the manual communication section. In case that the NFC module 127operates in the active communication mode, the NFC signal period may beconfigured to include the manual communication section and the activecommunication section.

For example, the MST module 128 may be a near field communication modulethat transmits data through near field magnetic data stripetransmission. The MST method may mean a method which generates pulses inaccordance with transaction data and converts the pulses into a magneticfield signal. In order for the external device 19A to receive the data,a sensor (e.g., MST reader or header) included in the external device19A may detect the converted magnetic field signal. The external device19A may restore the data by converting the detected magnetic fieldsignal into an electrical signal.

The MST module 128 may receive a control signal and payment informationfrom a control circuit inside the electronic device 101. The MST module128 may convert the payment information into a magnetic signal to besent out. For example, the MST module 128 may generate a magnetic signalby swiping a magnetic stripe of a credit card on the external device19A. The external device 19A may receive the magnetic field signal andthe payment information corresponding to the magnetic signal from theMST module 128. In an embodiment of the disclosure, the MST module mayprovide the payment information to the external device 19A through asimplex communication. The NFC module 127 and the MST module 128 aremerely examples of one or more sub-communication modules, but thesub-communication modules are not limited thereto, and other near fieldcommunication methods may be further included.

In an embodiment of the disclosure, the electronic device maysimultaneously or sequentially transmit a plurality of magnetic fieldsignals (e.g., NFC signal and MST signal) by using the communicationmodule 190. The NFC module 127 and the MST module 128 may selectivelysend payment information to the external device 19A in accordance with adesignated schedule or a signal period (e.g., 0.2 sec). Since the NFCmodule 127 and the MST module 128 selectively operate in the designatedtime section, power consumption according to signal transmission can bereduced, and duplicate payment can be prevented. Even if a user does notseparately select a communication method, the electronic device 101 canproceed with the payment only by contacting or approaching thedesignated payment receiver.

FIG. 3 is a block diagram illustrating a constitution of an electronicdevice according to an embodiment of the disclosure.

Referring to FIG. 3 , according to various embodiments of thedisclosure, an electronic device 300 may include a processor 310, amemory 320, a display 330, and a communication module 340, and some ofthe illustrated configurations may be omitted or substituted. Theelectronic device 300 may further include at least some ofconfigurations and/or functions of the electronic device 101 of FIG. 1 .At least some of the illustrated (or not illustrated) configurations ofthe electronic device 300 may be operatively, functionally, and/orelectrically connected to each other.

According to various embodiments of the disclosure, the processor 310may be a configuration that can perform an arithmetic operation or dataprocessing related to a control and/or communication of the constituentelements of the electronic device 300, and may be including one or moreprocessors. The processor 310 may include at least some of theconfigurations and/or functions of the processor 120 of FIG. 1 .

According to various embodiments of the disclosure, although thearithmetic operations and data processing functions that the processor310 can implement in the electronic device 300 may not be limited,features related to a payment process will be described below. Theoperations of the processor 310 may be performed by loading instructionsstored in the memory 320.

According to various embodiments of the disclosure, the electronicdevice 300 may include one or more memories 320, and the memory 320 mayinclude a main memory and a storage. The main memory may be including avolatile memory, such as a dynamic random access memory (DRAM), a staticRAM (SRAM), or a synchronous dynamic RAM (SDRAM). Further, the memory320 may be a nonvolatile memory, and may include a large-capacitystorage device. The storage may include at least one of one timeprogrammable ROM (OTPROM), PROM, EPROM, EEPROM, mask ROM, flash ROM,flash memory, hard drive, or solid state drive (SSD). The memory 320 maystore various pieces of file data, and the stored file data may beupdated in accordance with the operation of the processor 310.

According to various embodiments of the disclosure, the display 330 maydisplay various images under the control of the processor 310. Thedisplay 330 may be implemented by any one of a liquid crystal display(LCD), a light-emitting diode (LED) display, or an organiclight-emitting diode (OLED) display, but the implemented display is notlimited thereto. The display 330 may be formed as a touch screen thatdetects a touch and/or proximity touch (or hovering) by using a user'sbody part (e.g., a fingerprint) or an input device (e.g., a stylus pen).The display 330 may include at least some of the constitutions and/orfunctions of the display module 160 of FIG. 1 .

According to various embodiments of the disclosure, the display 330 maybe at least partly flexible, and may be implemented as a foldabledisplay or a rollable display.

According to various embodiments of the disclosure, the communicationmodule 330 may communicate with an external device through a wirelessnetwork under the control of the processor 310. The communication module330 may include hardware and software modules for transmitting orreceiving data from a cellular network (e.g., a long term evolution(LTE) network, 5G network, or new radio (NR) network) and a local areanetwork (e.g., Wi-Fi or Bluetooth). The communication module 330 mayinclude at least some of the constitutions and/or functions of thecommunication module 190 of FIG. 1 .

The electronic device 300 may communicate with the external device 302by using the communication module (e.g., the NFC module 127 of FIG. 2 )included in the communication module 330. The electronic device 300 mayreceive, from the external device 302, information related to theexternal device 302 based on the communication.

The external device 302 may communicate with the electronic device 300based on the communication by driving a power. According to variousembodiments of the disclosure, the external device 302 may communicatewith the electronic device 300 based on the manual communication module127 that requires no power.

According to various embodiments of the disclosure, the processor 310may display at least one image and/or text related to paymentinformation on the display 330 in response to at least a part of a userinput, determine whether to start a payment process using the electronicdevice 300 in response to identification of a user authentication,transmit a first signal for requesting an authentication to the externaldevice 302 in response to identification of an approach of the externaldevice 302 within a predetermined distance from the electronic device300, and transmit a second signal related to the payment process byusing the communication module 340 in response to identification of anauthentication of the external device 302, determine whether to completethe payment process using the electronic device 300 in response toidentification of a response of the external device 302 for the secondsignal, and transmit a third signal for indicating that the paymentprocess has been completed to the external device 302 by using thecommunication module 340 in response to determination of a completion ofthe payment process, and control the external device to be in anuntradeable state in response to a case where the response of theexternal device 302 for the third signal is unable to be identifiedwithin a predetermined time after the third signal is transmitted.

According to an embodiment of the disclosure, the processor 310 mayoutput, on the display 330, information indicating existence of atransaction stored in the incomplete state in response to theidentification of the storage of the data related to the payment processin the incomplete state, and output, on the display 330, transactioninformation stored in the incomplete state in response to the userinput.

FIG. 4 illustrates a communication situation between a wallet applet anda wallet application of an electronic device according to an embodimentof the disclosure.

According to various embodiments of the disclosure, the electronicdevice (e.g., the electronic device 300 of FIG. 3 ) may include a walletapplet. The electronic device 300 may use central bank digital currency(CBDC) on offline by using the wallet applet. The central bank digitalcurrency (CBDC) may mean the digital currency that is issued and managedby the Central bank as a means for replacing cash. Further, theelectronic device 300 may include a wallet that is driven in the form ofan application on a separate security processor other than in the formof an applet. The applet may mean at least one application inside anembedded secure element (eSE) 401. The applet standards may be the sameregardless of media (e.g., the terminal (phone), wearable device, and ICcard). However, the IC card may not include an application processor(AP) 403, and may operate by using a command that is received throughthe NFC module (e.g., the NFC module 127 of FIG. 2 ) without anoperation of the application.

Referring to FIG. 4 , according to an embodiment of the disclosure, thewallet applet for the offline CBDC may include at least one of walletstate 410, transaction processing 412, Internet buffer 414, stage logs416, transaction logs 418, offline CBDC wallet key 420, and balance 422.

The electronic device 300 may manage a process state of the wallet byusing the wallet state 410. For example, if there is a transaction beingcurrently in progress, the electronic device 300 may prevent theprogress of a new transaction by using the wallet state 410. Theelectronic device 300 may identify that the transaction being currentlyin progress is ended by using the wallet state 410, and may control toproceed with the new transaction. The electronic device 300 may performthe requested transaction by using the transaction processing 412. Theelectronic device 300 may temporarily store, in the Internet buffer 414,data that is sent or received to or from the external device (e.g., theexternal device 302 of FIG. 3 ) in the payment process, and the paymentprocess with the external device 302 is ended, the electronic device 300may initialize the Internet buffer 414. The electronic device 300 maystore a log of the transaction being in progress on stage logs 416. Thelog of the transactions being in progress may include at least one of atransaction state, wallet public keys of a sender and a receiver, walletidentifiers of a sender and a receiver, transaction identifier (ID)between a sender and a receiver, signature information of a sender and areceiver, and transaction amount. The electronic device 300 can preventdouble spending in a transaction situation between the sender and thereceiver by using the transaction identifier (ID) between the sender andthe receiver. The double spending may mean a situation where afterpayment of the value stored in the original file, the payment is madeagain to another entity through copying of the corresponding file havingalready been paid.

The electronic device 300 may store the log of the transaction havingbeen completed on the transaction logs 418. The log of the completedtransaction may include at least one of a transaction state, walletpublic keys of a sender and a receiver, wallet identifiers of a senderand a receiver, transaction identifier (ID) between a sender and areceiver, signature information of a sender and a receiver, and balanceafter transaction. The electronic device 300 may send or receive acertificate to or from the external device 302 at a transaction startoperation by using an offline CBDC wallet key 420. The offline CBDCwallet key 420 may include a public key and a certificate for verifyingthe wallet in the payment process. The electronic device 300 may storethe balance of the wallet in the balance 422.

According to an embodiment of the disclosure, the application processor(AP) 403 may transfer payment information on the wallet applet to awallet application 405. In this process, the application processor (AP)403 may transfer an event occurring during non-contact communication(e.g., communication) to the wallet application 405 by using a hostcontroller interface (HCI) 407.

FIG. 5A illustrates an offline remittance process of an electronicdevice according to an embodiment of the disclosure. FIG. 5B illustratesan offline payment process of an electronic device according to anembodiment of the disclosure.

Referring to FIG. 5A, an electronic device 500 may include at least someof configurations and functions of the electronic device 300 of FIG. 3 .The electronic device 500 may operate as a sender of money transfer inthe payment process with the external device (e.g., the external device302). For example, the external device 302 may include at least one of ashape of a wearable device 502 a, a shape 502 b of an IC card, and ashape 502 c of a mobile terminal. The external device 302 may operate asa receiver of money collection in the payment process. In this case, theelectronic device 500 may maintain in a proximity coupling device (PCD)mode or a reader mode in which it operates as a reader device. Therelated standards of the proximity coupling device (PCD) mode or thereader mode may include ETSI 102 622. The external device 302 maymaintain in a proximity integrated circuit card (PICC) mode or a cardmode in which it operates as a kind of card.

Referring to FIG. 5B, in contrast to FIG. 5A, the electronic device 500may operate as a POS device in the payment process with the externaldevice 302. Like the POS device, the electronic device 500 may record apayment history, and may proceed with the payment through reception ofthe payment information from a plurality of external devices. Referringto FIG. 5A, the electronic device 500 may be unable to carry out a newpayment with another external device 302 while making one payment. Forexample, if it is assumed that the electronic device 500 is performing apayment with a wearable device 502 a, it may be difficult for theelectronic device 500 to carry out a new payment with an IC card 502 buntil the corresponding payment is completed. However, in case of FIG.5B, even while proceeding with the payment with the wearable device 502a, the electronic device 500 may simultaneously proceed with the newpayment with the IC card 502 b, or may proceed with the new payment withanother mobile terminal 502 c. In this case, the electronic device 500and another external device (e.g., the wearable device 502 a, IC card502 b, or another mobile terminal 502 c) may communicate with each otherby using the communication module (e.g., the communication module 330 ofFIG. 3 ). The communication type between the electronic device 500 andanother external device (e.g., the wearable device 502 a, IC card 502 b,or another mobile terminal 502 c) may include, for example, near fieldcommunication (NFC).

FIGS. 6A and 6B illustrate a general transaction process on offline ofan electronic device according to various embodiments of the disclosure.

Referring to FIG. 6A, an application 612 of an electronic wallet A mayreceive a first command to remit a specific amount (e.g., x won) from auser 600 of the electronic wallet A having performed a userauthentication 602 a to another external device (e.g., the electronicwallet B). The first command may mean a remittance transaction startcommand The application 612 of the electronic wallet A may change theelectronic device (e.g., the electronic device 300 of FIG. 3 ) to areader mode at operation 614 a in response to the first command, and maytransfer information indicating the start of the remittance transactionto an electronic wallet applet A 610 in response to an identification ofthe first command. The electronic wallet applet A 610 may start pollingin response to identification of information indicating the start of theremittance transaction (618 a). The polling may be an operation thatcontrasts to an interrupt. The polling may mean an operation ofidentifying the state of the processor at predetermined intervals. Theinterrupt may mean an operation of identifying the state of theprocessor in response to detection of a specific event. The electronicdevice (e.g., the electronic device 300 of FIG. 3 ) may search for theexternal device (e.g., the external device 302 of FIG. 3 ) to performthe transaction by using the polling operation. The electronic device300 may transmit and/or receive data for transaction with the externaldevice 302 having been searched for in accordance with the pollingoperation.

After the polling is completed, the electronic wallet applet A 610 maytransmit information indicating that it is ready to operate in thereader mode on the application 612 of the electronic wallet A (616 a).The electronic wallet applet A 610 may identify the contact of theelectronic wallet applet B 620, and may transmit a command for selectingthe electronic wallet applet B 620 to the electronic wallet applet B 620(626 a). The electronic wallet applet B 620 may receive the command forselecting the electronic wallet applet B 620, and may transmit at leastone of information indicating the ID of the electronic wallet applet B620, information indicating an applet version, and limit information tothe electronic wallet applet A 610 (628 a).

The electronic wallet applet A 610 may request an electronic walletcertificate (Cert_B) to the electronic wallet applet B 620 in responseto the identification of the ID of the electronic wallet applet B 620(630 a), and the electronic wallet applet B 620 may transmit theelectronic wallet certificate (Cert_B) to the electronic wallet applet A610 in response to the request from the electronic wallet applet A 610(632 a). The electronic wallet applet A 610 may receive the electronicwallet certificate (Cert_B) from the electronic wallet applet B, and mayverify the received certificate (Cert_B). If the verification of theelectronic wallet certificate (Cert_B) has succeeded, the electronicwallet applet A 610 may extract a public key (PK_B) of the electronicwallet applet B 620 from the electronic wallet certificate (Cert_B) (634a). The electronic wallet applet A 610 may identify that the other partyhaving sent the message is the user of the electronic wallet B by usingthe extracted public key (PK_B). The electronic wallet applet A 610 mayverify the message including the signature of the user of the electronicwallet B by using the extracted public key (PK_B). The electronic walletapplet A 610 may generate a random byte A (random A) for transactionidentification, and may transmit the same together with its owncertificate (Cert_B) and the remittance transaction start command to theelectronic wallet applet B 620 (636 a).

The electronic wallet applet B 620 may verify the certificate (Cert_A)of the electronic wallet applet A 610, and may extract a public key(PK_A) of the electronic wallet applet A 610. The electronic walletapplet B 620 may generate a random byte B (random B) for transactionidentification, and may generate a transaction ID (or transID) togetherwith the received random byte A (random A). The electronic device 300may distinguish not only the IDs of the devices that participate in thepayment but also what kind of transaction is performed by using thetransaction ID. For example, if there are remittance payment of 10,000won and remittance payment of 20,000 won between the electronic devicesA and B, the electronic device A may distinguish that the other party ofthe payment is the electronic device B, and may distinguish whether thepayment is the remittance payment of 10,000 won or the remittancepayment of 20,000 won as well. The transaction amount is merelyexemplary, and the transaction history may be distinguished depending onnot only the transaction amount but also the transaction date.

The electronic wallet applet B 620 may generate a message to be signedafter defining the transaction ID, and may generate a signature message(sig_B) by signing with a secret key (SK_B) of the electronic walletapplet B 620 (638 a). The signed message may include the contentsrelated to at least one of transID, transaction amount, ID_A, ID_B, PK_A(or CERT_A), and PK_B (or Cert_B). The electronic wallet applet B 620may carry out the signature message (sig_B) by using the secret key(SK_B). The electronic wallet applet A 610 may read the signaturemessage (sig_B) by using the public key (PK_B).

Thereafter, the electronic wallet applet B 620 may transmit thesignature message (sig_B) and the random byte B (random B) to theelectronic wallet applet A 610 (640 a). The electronic wallet applet A610 may obtain the transaction ID by using the received random byte B(random B), and may generate the same signature message as that of theelectronic wallet applet B 620. The electronic wallet applet A 610 mayverify the signature message (sig_B) by using the generated signaturemessage and the public key (PK_B). The electronic wallet applet A 610may acquire information related to at least one of transID, transactionamount, ID_A, ID_B, PK_A (or CERT_A), and PK_B (or Cert_B). If theverification of the signature message (sig_B) has succeeded, theelectronic wallet applet A 610 may generate the signature message(sig_A) by using its own signature key (SK_A) (642 a). The electronicwallet applet B 620 may verify the signature message (sig_A) by usingthe public key (PK_A). The electronic wallet applet B 620 may identifywhether the electronic wallet applet A 610 has carried out thetransaction based on the result of the verification. The electronicwallet applet B 620 may confirm the transaction based on theidentification in that the electronic wallet applet A 610 has carriedout the transaction.

Referring to FIG. 6B, the electronic wallet applet A 610 may transmit aremittance transaction execution command including the sig_A and thetransaction ID to the electronic wallet applet B 620 (650 b). Theelectronic wallet applet B 620 may secure transaction relatedinformation by searching for the transaction being in progresscorresponding to the received transaction ID, and may verify thereceived sig_A by using the PK_A. If the verification has succeeded, thewallet applet B 620 may generate a receipt signature (receiptsig_B) withthe secret key SK_B by adding a tag that means the transactioncompletion to the previously generated signature message. Thereafter,the wallet applet B 620 may wait for x won increase of the balance asthe result of the remittance transaction. Here, the x won increasewaiting state of the balance may mean that the corresponding amount isexpected to be reflected on the balance, but is in a state where it isunable to be used before the transaction completion command isperformed. Further, the wallet applet B 620 may control not to exert aninfluence on the balance, or may control not to start a new transactionuntil the transaction is completed although it may be seen to the userthat the balance is reflected (652 b).

The electronic wallet applet B 620 may reply the receiptsig_B to theelectronic wallet applet A 610 in response to the remittance transactionexecution command (654 b). The electronic wallet applet A 610 maygenerate the signature message in the same manner as that of theelectronic wallet applet B 620, and may verify the transferredreceiptsig_B by using the PK_B. The electronic wallet applet A 610 mayidentify whether the electronic wallet applet B 620 has completed thetransaction by verifying the receiptsig_B. If the verification hassucceeded, the electronic wallet applet A 610 may generate the signaturereceiptsig_A by using the SK_A. The signature receiptsig_A may includeinformation indicating that the electronic wallet applet A 610 hascompleted the transaction and the balance of the wallet A has beenreduced by x won. After reducing the balance of the wallet A by x won,and switching the transaction to a completion state, the electronicwallet applet A 610 may generate the signature receiptsig_A, and maytransmit the signature receiptsign_A to the electronic wallet applet B620 (656 b).

The electronic wallet applet A 610 may transmit the remittancetransaction completion command including the receiptsig_A and thetransID to the electronic wallet applet B 620 (658 b). The electronicwallet applet B 620 may secure the transaction related information bysearching for the transaction corresponding to the transID. Theelectronic wallet applet B 620 may verify the signature (receiptsig_A)by using the PK_A, and if the verification has succeeded, the electronicwallet applet B 620 may confirm the x won increase of the balance of thewallet B, and may switch to the transaction completion state (660 b).

According to an embodiment of the disclosure, if the device of theelectronic wallet applet B 620 supports HCI EVT, the electronic walletapplet B 620 may transmit a remittance transaction success event to theelectronic wallet B application 622, and the electronic wallet Bapplication 622 may obtain the current balance from the electronicwallet applet B 620 by detecting the success event. The electronicwallet B application 622 may display information indicating thetransaction success to the user B (662 b), and may display informationindicating the balance (674 b).

According to an embodiment of the disclosure, the electronic walletapplet B 620 may replay whether the remittance transaction has succeededto the electronic wallet applet A 610 in response to the remittancetransaction completion command (664 b). the electronic wallet applet A610 may receive whether the remittance transaction has succeeded, maytransmit the remittance transaction success event to the electronicwallet A application 612 through the HCI EVT (666 b), and may stop thepolling (668 b), and may display information indicating the balance (670b). The application 612 of the electronic wallet A may display, to theuser A, at least one of the information indicating that the remittancetransaction has succeeded and the information indicating the currentbalance of the electronic wallet A (672 b).

According to an embodiment of the disclosure, the electronic device 300may separately manage the logs of the transaction in progress (stagelog) and the completed transaction (transaction log), and in case that anew transaction or the transaction in progress is requested to proceed,the electronic device 300 may perform an operation corresponding to thetransaction information being in progress. The electronic device 300 maysimultaneously support the NFC reader mode and the card mode. In thiscase, the electronic device 300 may separately store and manage the logrecord of the reader stage and the log record of the card stage.

According to an embodiment of the disclosure, in the NFC card modestate, the electronic device 300 may control to manage only onetransaction in progress. If a new transaction is requested in a statewhere there is an unexpectedly stopped transaction during theproceeding, the electronic device 300 may control to delete thecorresponding transaction or to complete the existing transactiondepending on the state of the transaction (to be described hereinafter).The electronic device 300 may manage several transaction lists being inprogress in the NFC reader mode, and in case of the NFC contact, theelectronic device 300 may control to acquire information of a cardapproaching within a predetermined distance based on the tagging or theelectronic device 300, and to complete the transaction being in progressdepending on the transaction state.

According to an embodiment of the disclosure, the electronic device 300may manage the state of the transaction being in progress. The state ofthe transaction being in progress may include a first state (performed)where the transaction is in progress, a second state (finalize) wherethe transaction approval of both participants has been completed, andthe balance increase/decrease of the wallet of either of theparticipants may have been completed, and a third state (completed) thatis the transaction completion state. In case that the transaction isunexpectedly stopped due to NFC field out situation or power off, theelectronic device 300 may identify whether the corresponding transactionis in the second state. The electronic device 300 may control tocomplete the transaction in response to the identification in that thetransaction state is the second state, and if the transaction has notbeen completed, the electronic device 300 may change the transactionstate to an untradeable state so that a new transaction is unable to beperformed. The electronic device 300 may move the correspondingtransaction history to the completed transaction log in response to theidentification in that the transaction state is the third state.

FIGS. 6C and 6D illustrate a UI that is displayed on a screen of anelectronic device according to various embodiments of the disclosure.

Referring to FIG. 6C, it illustrates a screen of an electronic device300 in an operation in which the electronic device 300 requests a userauthentication at operation 604 a of FIG. 6A. The electronic device 300may display a screen for requesting a user authentication by using thedisplay 330. The electronic device 300 may control to verify thecontents of the user authentication in response to the identification ofthe user authentication and to proceed with the remittance when theverification is completed.

Referring to FIG. 6D, it illustrates a screen of an electronic device300 in an operation in which the electronic device 300 requests anaccess of the external device 302 at operation 624 a of FIG. 6A. Theelectronic device 300 may display a screen for requesting an access ofthe external device 302 by using the display 330.

FIG. 6E is a diagram illustrating a situation where an electronic deviceand an external device approach each other according to an embodiment ofthe disclosure.

Referring to FIG. 6E, the external device (e.g., the external device 302of FIG. 3 ) may be in a state where it approaches a first electronicdevice (e.g., the electronic device 300 of FIG. 3A). In case ofapproaching within a predetermined distance from the electronic device300 or contacting the electronic device 300, the external device 302 maybe connected to the electronic device 300 by using a near fieldcommunication method. With reference to FIG. 6E, although explanationwill be made on the assumption that the external device 302 is aterminal, the kind of the external device 302 that can approach theelectronic device 300 is not limited thereto, but may further includevarious types of external devices (e.g., the wearable device 502 a, ICcard 502 b, and mobile terminal 500) of FIG. 5A.

According to various embodiments of the disclosure, the near fieldcommunication method may be the NFC, and the electronic device 300 maybe an electronic device including an NFC tag. The external device 302may be an electronic device that can read the NFC tag.

According to various embodiments of the disclosure, the external device302 may transmit a data transmission request message to the electronicdevice 300 in response to the connection of the near field communicationmeans to the electronic device 300. The electronic device 300 maytransmit a response message in response to the reception of the datatransmission request message.

According to various embodiments of the disclosure, the external device302 may perform the authentication of the electronic device 300 by usingthe response message transmitted by the electronic device 300. Theexternal device 302 may receive the content from an external server (notillustrated) based on the authentication result of the electronic device300, and may provide the content to the user of the external device 302.

FIG. 6F illustrates a UE that is displayed on a screen of an electronicdevice according to an embodiment of the disclosure.

FIG. 6F illustrates a screen of an electronic device 300 in an operationin which the electronic device 300 requests a start of a remittancetransaction at operation 636 a of FIG. 6A. The electronic device 300 maydisplay information indicating the start of the remittance transactionto the user by using the display 330, and may proceed with theremittance transaction in response to a user response.

FIGS. 7A, 7B, 7C, 7D, and 7E illustrate a transaction process and anerror situation on offline of an electronic device according to variousembodiments of the disclosure.

Referring to FIG. 7A, an application 712 of an electronic wallet A mayreceive a first command to remit a specific amount (e.g., x won) from auser 600 of the electronic wallet A having performed a userauthentication 702 a to another external device (e.g., the electronicwallet B). The application 712 of the electronic wallet A may change theelectronic device (e.g., the electronic device 300 of FIG. 3 ) to areader mode at operation 706 a in response to the identification of thefirst command, and may transfer information indicating the start of theremittance transaction to an electronic wallet applet A 710. Theelectronic wallet applet A 710 may identify the balance of theelectronic wallet A, and may transmit information indicating theinsufficient balance to the application 712 of the electronic wallet Ain response to the insufficient balance. The application 712 of theelectronic wallet A may transfer the information indicating theinsufficient balance to the user (708 a). Further, the electronic walletapplet A 710 may transmit information indicating that the transaction isnot possible to the application 712 of the electronic wallet A. Theapplication 712 of the electronic wallet A may display, to the user,information indicating that the previous transaction is not completedand thus execution of a new transaction is not possible, and maydisplay, to the user, information indicating to complete the previoustransaction (714 a).

The electronic wallet applet A 710 may start polling in response toidentification of information indicating the start of the remittancetransaction (716 a). The electronic device 300 may search for theexternal device (e.g., the external device 302 of FIG. 3 ) to performthe transaction by using the polling operation. The electronic device300 may transmit and/or receive data for transaction with the externaldevice 302 having been searched for in accordance with the pollingoperation.

After the polling is completed, the electronic wallet applet A 710 maytransmit information indicating that it is ready to operate in thereader mode on the application 712 of the electronic wallet A (718 a).The electronic wallet applet A 710 may identify the contact of theelectronic wallet applet B 720, and may transmit a command for selectingthe electronic wallet applet B 720 to the electronic wallet applet B 720(722 a). The electronic wallet applet B 720 may receive the command forselecting the electronic wallet applet B 720, and may transmitinformation indicating the ID of the electronic wallet applet B 720 tothe electronic wallet applet A 710 (724 a).

The electronic wallet applet A 710 may identify the transaction beingperformed by the electronic wallet B by using information indicating theID of the electronic wallet applet B 720, and may identify whether thereis a transaction that coincides with at least one of the transactionamount, the transaction date, and the transaction subject (726 a). Theelectronic wallet applet A 710 may request the electronic walletcertificate (Cert B) from the electronic wallet applet B 720 in responseto identification of whether there is the transaction that coincideswith the at least one of the transaction amount, the transaction date,and the transaction subject (728 a). The electronic wallet applet B 720may transmit the electronic wallet certificate (Cert_B) to theelectronic wallet applet A 710 in response to the request of theelectronic wallet applet A 710 (730 a). The electronic wallet applet A710 may receive and verify the electronic wallet certificate (Cert_B)from the electronic wallet applet B 720.

If the verification of the electronic wallet certificate (Cert_B) hassucceeded, the electronic wallet applet A 710 may extract a public key(PK_B) of the electronic wallet applet B 720. The electronic walletapplet A 710 may generate a random byte A (random A) for transactionidentification (732 a). If the verification of the electronic walletcertificate (Cert_B) has failed, the electronic wallet applet A 610 maytransmit information indicating the certificate verification failure tothe application 712 of the electronic wallet A, and the application 712of the electronic wallet A may display, to the user, that the otherparty is an ineffective wallet of which the certificate verification hasfailed, and thus information indicating that the transaction is unableto be performed may be displayed to the user. Thereafter, the electronicdevice 300 may enter a mode in which it waits for an access of theexternal device (e.g., the external device 302 of FIG. 3 ) (734 a).Thereafter, the electronic wallet applet A 710 may return to node 1 ofFIG. 7A, and may start the polling in response to the identification ofthe information indicating the start of the remittance transaction (716a). Hereinafter, “Go to 1” in the drawing may mean the operation inwhich the electronic wallet applet A 710 returns to node 1, and mayrestart the polling in response to the identification of the informationindicating the start of the remittance transaction.

Referring to FIG. 7B, the electronic wallet applet A 710 may transmit,to the electronic wallet applet B 720, indication information includingat least one of transaction information (e.g., transaction amount of xwon), random byte A (random A) for transaction identification, andremittance transaction start command (702 b). The electronic walletapplet B 720 may identify whether there is a transaction being inprogress between the electronic wallets A and B in response to thereception of the indication information (704 b). The electronic walletapplet B 720 may identify that there is a transaction being in progressbetween the electronic wallets A and B, and may identify the state ofthe transaction being in progress. The state of the transaction being inprogress may include a first state where the transaction is in progress,a second state where the transaction approval of both participants hasbeen completed, and the balance increase/decrease of the wallet ofeither of the participants may have been completed, and a third statethat is the transaction completion state.

The electronic wallet applet B 720 may control to proceed with a newtransaction after initialization of the transaction history being inprogress in response to the identification in that the state of thetransaction being in progress is the first state. The electronic walletapplet B 720 may control to proceed with a new transaction may transmit,to the application 722 of the electronic wallet B, informationindicating that the electronic wallet B is a untradeable card, and for anew transaction, the transaction being in progress should be completedor canceled in response to the identification in that the state of thetransaction being in progress is the second state (712 b). Theapplication 722 of the electronic wallet B may display, to the user, theinformation indicating that the electronic wallet B is an untradeablecard, and for a new transaction, the transaction being in progressshould be completed or canceled.

The electronic wallet applet B 720 may transmit, to the electronicwallet applet A 710, the information indicating that the electronicwallet B is the untradeable card in response to the identification inthat the state of the transaction being in progress is the second state(706 b). Thereafter, the electronic wallet applet A 710 may return tonode 1 of FIG. 7A, and may start the polling in response to theidentification of the information indicating the start of the remittancetransaction. The electronic wallet applet A 710 may transmit theinformation indicating that the electronic wallet B is the untradeablecard to the application 712 of the electronic wallet A (708 b). Theapplication 712 of the electronic wallet A may display, to the user, theinformation indicating that the electronic wallet B is a untradeablecard, and for a new transaction, the transaction being in progress bythe electronic wallet B should be completed or canceled. The electronicdevice 300 may enter a mode in which it waits for an access of theexternal device (e.g., the external device 302 of FIG. 3 ) (710 b).

According to an embodiment of the disclosure, it may be difficult forthe electronic wallet B to proceed with the transaction due to an excessof the holding limit. In this case, the electronic wallet applet B 720may transmit, to the application 722 of the electronic wallet B,information indicating that the electronic wallet B is the untradeablecard due to the excess of the holding limit (714 b) (720 b). Theelectronic wallet applet A 710 may transmit the information indicatingthat the electronic wallet B is the untradeable card to the application712 of the electronic wallet A (716 b). The application 712 of theelectronic wallet A may display the information indicating that theelectronic wallet B is the untradeable card to the user. The electronicdevice 300 may enter a mode in which it waits for an access of theexternal device (e.g., the external device 302 of FIG. 3 ) (718 b).

According to an embodiment of the disclosure, it may be difficult forthe electronic wallet B to proceed with the transaction due to a failureof certificate verification of the electronic wallet A. In this case,the electronic wallet applet B 720 may transmit, to the application 722of the electronic wallet B, information indicating that the electronicwallet A is the untradeable card due to the failure of the certificateverification (726 b). The electronic wallet applet B 720 may transmitthe information indicating that the electronic wallet A is theuntradeable card due to the failure of the certificate verification tothe electronic wallet applet A 710 (722 b). The electronic wallet appletA 710 may return to node 1 of FIG. 7A, and may start the polling inresponse to the identification of the information indicating the startof the remittance transaction. The electronic wallet applet A 710 maytransmit the information indicating that the transaction has beenrejected due to the verification failure of the certificate (Cert_A) tothe application 712 of the electronic wallet A (724 b). The application712 of the electronic wallet A may display, to the user, the informationindicating that the transaction has failed due to an unexpected erroroccurrence caused by the verification failure of the certificate(Cert_A). The electronic device 300 may enter a mode in which it waitsfor an access of the external device (e.g., the external device 302 ofFIG. 3 ) (730 b).

Referring to FIG. 7C, the electronic wallet applet B 720 may generate amessage to be signed after defining the transaction ID, and may generatea signature message (sig_B) by signing with a secret key (SK_B) of theelectronic wallet applet B 720. The signed message may include thecontents related to at least one of transID, transaction amount, ID_A,ID_B, PK_A (or CERT_A), and PK_B (or Cert_B).

The electronic wallet applet A 710 may receive the random byte B (randomB) for transaction identification and the signature message (sig_B) fromthe electronic wallet applet B 720 (702 c). The electronic wallet appletA 710 may identify that the communication (e.g., an NFC session) hasbeen ended before receiving the random byte B (random B) for thetransaction identification and the signature message (sig_B) from theelectronic wallet applet B 720 after the remittance transaction startcommand is transmitted. In this case, the electronic wallet applet A 710may return to node 1 of FIG. 7A, and may start the polling in responseto the identification of the information indicating the start of theremittance transaction. If the communication (e.g., an NFC session) isstopped during the transaction, the electronic wallet applet A 710 maytransmit the information indicating that the communication has beenstopped to the application 712 of the electronic wallet A (704 c). Theapplication 712 of the electronic wallet A may display, to the user, theinformation indicating that the transaction has been stopped due to thecommunication stop. Thereafter, the electronic device 300 may enter amode in which it waits for an access of the external device (e.g., theexternal device 302 of FIG. 3 ) (706 c).

The electronic wallet applet A 710 may receive the random byte B (randomB) for transaction identification and the signature message (sig_B) fromthe electronic wallet applet B 720 (702 c). The electronic wallet appletA 710 may obtain the transID by using the received random byte B (randomB), and may verify the signature message (sig_B) by using the public key(PK_B) (708 c). If the verification has failed, the electronic walletapplet A 710 may transmit the information indicating that the signatureverification of the electronic wallet B has failed to the application712 of the electronic wallet A (714 c). In this case, the electronicwallet applet A 710 may return to node 1 of FIG. 7A, and may start thepolling in response to the identification of the information indicatingthe start of the remittance transaction. The application 712 of theelectronic wallet A may display, to the user, the information indicatingthat the transaction has been stopped due to the failure of thesignature verification of the electronic wallet B. Thereafter, theelectronic device 300 may enter a mode in which it waits for an accessof the external device (e.g., the external device 302 of FIG. 3 ) (716c).

If the verification has succeeded, the electronic wallet applet A 710may generate the signature message (sig_A) by using its own signaturekey (SK_A) *720 c). The electronic wallet applet A 710 may transmit theremittance transaction execution command including the sig_A and thetransID to the electronic wallet applet B 720 (722 c). The electronicwallet applet B 720 may secure transaction related information bysearching for the transaction corresponding to the received transID, andmay verify the received sig_A by using the PK_A. If the transactionbeing in progress corresponding to the received transID does not exist,or if the transaction is not possible due to the excess of the holdinglimit of the electronic wallet B, the electronic wallet applet B 720 maytransmit, to the electronic wallet applet A 710, information indicatingthat the transaction has failed due to condition dissatisfaction of theelectronic wallet B (724 c). The electronic wallet applet A 710 maydelete the corresponding transaction record in response to the receptionof the information indicating that the transaction has failed due to thecondition dissatisfaction of the electronic wallet B (726 c). In thiscase, the electronic wallet applet A 710 may return to node 1 of FIG.7A, identify the information indicating the start of the remittancetransaction, and start the polling. The electronic wallet applet A 710may transmit the information indicating that the transaction has beenended due to a condition check failure of the electronic wallet B to theapplication 712 of the electronic wallet A (728 c). The application 712of the electronic wallet A may display, to the user, the informationindicating that the transaction has been stopped due to the conditioncheck failure of the electronic wallet B. Thereafter, the electronicdevice 300 may enter a mode in which it waits for an access of theexternal device (e.g., the external device 302 of FIG. 3 ) (730 c).

Referring to FIG. 7D, the electronic wallet applet B 720 may switch thestate of the corresponding transaction to the first state in response tothe identification in that the state of the transaction corresponding tothe transaction ID is the second state (702 d). The first state may meanthe state where the transaction is in progress, and the second state maymean a state where the transaction approval of both participants hasbeen completed, and the balance increase/decrease of the wallet ofeither of the participants may have been completed. The electronicwallet applet B 720 may verify the signature message (sig_A) by usingthe public key (PK_A) after switching the state of the transactioncorresponding to the transaction ID to the first state (704 d). Theelectronic wallet applet B 720 may delete the corresponding transactionhistory in response to the failure of the verification of the signaturemessage (sig_A) (706 d), and may transmit the information indicatingthat the verification of the signature message (sig_A) has failed to theapplication 722 of the electronic wallet B (708 d). The electronicwallet applet B 720 may transmit the information indicating that thetransaction of the electronic wallet A is not possible due to theverification failure of the signature message (sig_A) to the electronicwallet applet A 710 (714 d). The electronic wallet applet A 710 maydelete the corresponding transaction history (716 d), may return to node1 of FIG. 7A, may identify the information indicating the start of theremittance transaction, and may start the polling. The electronic walletapplet B 720 may transmit the information indicating that thetransaction has been rejected due to the verification failure of thesignature message (sig_A) to the application 712 of the electronicwallet A (718 d). The application 712 of the electronic wallet A maydisplay, to the user, the information indicating that the transactionhas failed due to an unexpected error occurrence caused by theverification failure of the signature message (sig_A). The electronicdevice 300 may enter a mode in which it waits for an access of theexternal device 302 (720 d).

The electronic wallet applet B 720 may secure the transaction relatedinformation by searching for the transaction being in progresscorresponding to the received transaction ID, and may verify thereceived sig_A by using the PK_A. If the verification has succeeded, thewallet applet B 720 may generate a signature (receiptsig_B) with thesecret key SK_B by adding a tag that means the transaction completion tothe previously generated signature message. Thereafter, the walletapplet B 720 may wait for x won increase of the balance as the result ofthe remittance transaction. Here, the x won increase waiting state ofthe balance may mean that the corresponding amount is expected to beimmediately reflected on the balance, but is in a state where it isunable to be used before the transaction completion command isperformed. The electronic wallet applet B 720 may store the transactionstate as the second state (722 d). The electronic wallet applet B 720may replay the receiptsig_B to the electronic wallet applet A 710 inresponse to the remittance transaction execution command (724 d).

The electronic wallet applet A 710 may generate the signature message inthe same manner as that of the electronic wallet applet B 720, and mayverify the transferred receiptsig_B by using the PK_B. If theverification has succeeded, the electronic wallet applet A 710 maygenerate the receipt signature receiptsig_A by using the SK_A. If theseprocesses have been completed in all, the electronic wallet applet A 710may switch the transaction to a completion state through reduction ofthe balance of the wallet A by x won. The electronic wallet applet A 710may transmit the remittance transaction completion command including thereceiptsign_A and the transID to the electronic wallet applet B 720.

The electronic wallet applet A 710 may confirm that the communicationwith the external device 302 is ended in a response waiting state aftertransmitting the remittance transaction completion command including thereceiptsig_A and the transID to the electronic wallet applet B 720, andmay add the corresponding transaction information to a blacklist (726d). In this case, the electronic wallet applet A 710 may return to node1 of FIG. 7A, identify information indicating the start of theremittance transaction, and start the polling. If the communication withthe application 712 of the electronic wallet A is stopped, and thus thetransaction is stopped, the electronic wallet applet A 710 may transmitinformation indicating reattempt of the communication (728 d). Theapplication 712 of the electronic wallet A may display, to the user, theinformation indicating that the transaction is stopped due to thestopping of the communication, and the communication is to bereattempted, and may display, to the user, information requesting againan access of the external device (e.g., the external device 302 of FIG.3 ). Thereafter, the electronic device 300 may enter a mode in which itwaits for the access of the external device (e.g., the external device302 of FIG. 3 ) (730 d). The electronic wallet applet B 720 maytransmit, to the application 722 of the electronic wallet B, theinformation indicating that the transaction is stopped due to thestopping of the communication and the communication is to be reattempted(734 d).

The electronic wallet applet A 710 may transmit the remittancetransaction completion command including the receiptsig_A and thetransID to the electronic wallet applet B 720. The electronic walletapplet B 720 may secure the transaction related information by searchingfor the transaction corresponding to the transID. The electronic walletapplet B 720 may verify the signature (receiptsig_A) by using the PK_A,and if the verification has succeeded, the electronic wallet applet B720 may confirm the x won increase of the balance of the wallet B, andmay switch to the transaction completion state (660 b). If theverification has succeeded, the wallet applet B 720 may generate areceipt signature (receiptsig_B) with the secret key SK_B by adding atag that means the transaction completion to the previously generatedsignature message. Thereafter, the wallet applet B 720 may wait for xwon increase of the balance as the result of the remittance transaction.Here, the x won increase waiting state of the balance may mean that thecorresponding amount is expected to be immediately reflected on thebalance, but is in a state where it is unable to be used before thetransaction completion command is performed. The electronic walletapplet B 720 may store the transaction state as the third state. Theelectronic wallet applet B 720 may reply the receiptsig_B to theelectronic wallet applet A 710 in response to the remittance transactionexecution command

According to an embodiment of the disclosure, the electronic walletapplet A 710 may transmit, to the application 712 of the electronicwallet A, the information indicating that the verification of thereceiptsig_B has failed and it is necessary to reattempt theauthentication for the transaction completion (736 d). If the unexpectederror has occurred due to the failure of the verification of thereceiptsig_B and the verification has not been completed, theapplication 712 of the electronic wallet A may display, to the user, theinformation indicating that the transaction state may be the untradeablestate in case that the verification is not completed. Further, theapplication 712 of the electronic wallet A may display, to the user, theinformation indicating that it is necessary to access the externaldevice 302 again in order to complete the transaction. Thereafter, theelectronic device 300 may enter the mode in which it waits for theaccess of the external device (e.g., the external device 302 of FIG. 3 )(738 d). In this case, the electronic wallet applet A 710 may return tonode 1 of FIG. 7A, identify information indicating the start of theremittance transaction, and start the polling.

According to an embodiment of the disclosure, the electronic walletapplet A 710 may cancel the transaction in response to the failure ofthe verification of the receiptsig_B, and may transmit, to theelectronic wallet applet B 720, the transaction cancellation commandindicating that the transaction has failed and the transaction hasfinally canceled.

Referring to FIG. 7E, the electronic wallet applet A 710 may generate areceipt signature (receiptsig_A) with the SK_A, and may reduce thebalance by x won. If the transID is present in the blacklist, theelectronic device 300 may delete the transID from the blacklist, and mayprocess the same as the transaction completion (702 e). Thereafter, theelectronic wallet applet A 710 may transmit the transaction ID and thereceipt signature (receiptsig_A) to the electronic wallet applet B 720(704 e). The electronic wallet applet B 720 may verify the receiptsignature (receiptsig_A) by using the public key (PK_A) (706 e). In (706e), the electronic wallet applet B 720 may transmit the informationindicating that the verification of the receipt signature (receiptsig_A)has failed and the transaction has not been completed to the electronicwallet applet A 710 (714 e). The electronic wallet applet A 710 maynewly generate a receipt signature (receiptsig_A) in response to thereception of the information indicating that the verification of thereceipt signature (receiptsig_A) has failed and the transaction has notbeen completed (716 e). The electronic wallet applet A 710 may transmit,to the application 712 of the electronic wallet A, the informationindicating that the verification of the receipt signature (receiptsig_A)has failed and the transaction has not been completed (718 e). Theelectronic wallet applet A 710 may transmit the newly generated receiptsignature (receiptsig_A) to the electronic wallet applet B 720 (720 e).The electronic wallet applet B 720 may verify again the newly generatedreceipt signature (receiptsig_A). If the verification of the receiptsignature (receiptsig_A) has succeeded, the electronic wallet applet B720 may confirm the increase of the balance, delete the transactionprogress information after the transaction completion, and separatelyclassify and store the completed information (722 e). The electronicwallet applet B 720 may transmit the information indicating that thetransaction has been completed to the application 722 of the electronicwallet B (726 e). The electronic wallet applet B 720 may transmit theinformation indicating that the transaction has been completed to theelectronic wallet A 710 (724 e).

According to an embodiment of the disclosure, the electronic walletapplet A 710 may identify that the communication has been ended beforereceiving the information indicating that the transaction has beencompleted from the electronic wallet applet B 720. In this case, theelectronic wallet applet A 710 may stop the polling (732 e), and maytransmit information indicating that the communication has been endedand the communication connection is attempted again to the application712 of the electronic wallet A (734 e). The application 712 of theelectronic wallet A may display, to the user, the information indicatingthat the communication has been ended and the communication connectionis to be attempted again. The electronic wallet applet B 720 maytransmit the information indicating that the communication has beenended and the communication connection is to be attempted again to theapplication 722 of the electronic wallet B (728 e). Thereafter, if thetransaction is completed, the electronic wallet applet B 720 maytransmit, to the application 722 of the electronic wallet B, informationindicating the transaction completion and information related to thebalance of the electronic wallet B in response to the balance enquiryrequest received from the application 722 of the electronic wallet B(730 e).

According to an embodiment of the disclosure, the electronic walletapplet A 710 may receive the information indicating that the transactionhas been completed from the electronic wallet applet B 720, and may stopthe polling (738 e). Thereafter, the electronic wallet applet A 710 maytransmit the information indicating that the transaction has beencompleted to the application 712 of the electronic wallet A (740 e). Theelectronic wallet applet A 710 may receive information for requestingconfirmation of the balance from the application 712 of the electronicwallet A, and corresponding to this, may transmit information related tothe balance of the electronic wallet A to the application 712 of theelectronic wallet A (742 e). The application 712 of the electronicwallet A may display, to the user, the information indicating that thetransaction has been completed and the information related to thebalance of the electronic wallet A (744 e).

FIGS. 8A and 8B illustrate a process of reconfirming a payment when apayment is stopped due to an error situation of an electronic deviceaccording to various embodiments of the disclosure.

Referring to FIG. 8A, an application 812 of an electronic wallet A mayreceive information indicating progress of a stopped transaction from auser 800 of the electronic wallet A having performed a userauthentication 802 a. In response to the reception of informationindicating the progress of the stopped transaction, the application 812of the electronic wallet A may change the electronic device (e.g., theelectronic device 300 of FIG. 3 ) in a reader mode at 804 a, and maytransfer information indicating the restart of the remittancetransaction to the electronic wallet applet A 810 at (806 a). Theelectronic wallet applet A 810 may start the polling in response to theidentification of the information indicating the restart of theremittance transaction (814 a). The polling may mean an operation inwhich one device periodically checks another device for the purpose ofsynchronization between a plurality of electronic devices, and if apredetermined condition is satisfied, the device proceeds with dataprocessing, such as signal transmission and so on.

After the polling is completed, the electronic wallet applet A 810 maytransmit information indicating that it is ready to operate in thereader mode to the application 812 of the electronic wallet A (808 a).

The electronic wallet applet A 810 may identify the contact of theelectronic wallet applet B 820, and may transmit a command for selectingthe electronic wallet applet B 820 to the electronic wallet applet B 820(818 a). The electronic wallet applet B 820 may receive the command forselecting the electronic wallet applet B 820, and may transmitinformation indicating the ID of the electronic wallet applet B 820 tothe electronic wallet applet A 810 (820 a).

The electronic wallet applet A 810 may request a transaction history ofa second state to the electronic wallet applet B 820. The second statemay mean a state where the transaction approval of both participants hasbeen completed and the balance increase/decrease of the wallet of eitherof the participants may have been completed. The electronic walletapplet B 820 may identify the corresponding transaction record from astage log in response to the request for the history of the electronicwallet applet A 810 (824 a), and may transmit the related transactionrecord information to the electronic wallet applet A 810 (826 a). Theelectronic wallet applet A 810 may receive the related transactionrecord information, and may verify the transaction history. Theelectronic wallet applet A 810 may identify at least one of whether thetransaction state is the second state, whether the transactionparticipants coincide with the electronic wallet A and the electronicwallet B, and information on the transaction history (e.g., signature(sig_A) and receipt signature (receiptsig_B)). If the verification ofthe transaction history has succeeded, the electronic wallet applet A810 may confirm and end the transaction.

According to an embodiment of the disclosure, the electronic walletapplet A 810 may request processes of 816 a to 826 a from an onlineserver on behalf of the electronic wallet applet B 820. In this case,the electronic wallet applet A 810 may verify the transaction historythrough reception of the related transaction record information from theonline server on behalf of the electronic wallet applet B 820.

Referring to FIG. 8B, the electronic wallet applet A 810 may receive therelated transaction record information, and may identify whether thetransID of the corresponding transaction exists in the blacklist (802b). The electronic wallet applet A 810 may change the transaction to aninitial state in response to the existence of the transID of thecorresponding transaction in the blacklist (804 b). The electronicwallet applet A 810 may transmit information indicating that thetransaction has been initialized to the application 812 of theelectronic wallet A (806 b). The application 812 of the electronicwallet A may display, to the user, information indicating that thetransaction has been initialized and information representing that thetransaction is restored to the previous state (808 b).

The electronic wallet applet A 810 may transmit at least one of theinformation indicating that the transaction has been initialized, thetransID for notifying of the kind of the transaction, and the receiptsignature (receiptsig_A) (814 b). Thereafter, the electronic walletapplet A 810 may stop the polling (820 b). The electronic wallet appletB 820 may receive the information indicating that the transaction hasbeen initialized, and may determine the authenticity of the informationby verifying the receipt signature (receiptsig_A). If the verificationof the receipt signature (receiptsig_A) has succeeded, the electronicwallet applet B 820 may initialize the corresponding transaction, andmay return the balance (e.g., x won) in the waiting state (816 b).Thereafter, the electronic wallet applet B 820 may transmit theinformation indicating that the transaction has been initialized and theuntradeable state has been released to the application 822 of theelectronic wallet B (818 b).

The electronic wallet applet A 810 may change the transaction to aconfirmation state in response to the nonexistence of the transID of thecorresponding transaction in the blacklist, and may generate the receiptsignature (receiptsig_A) (822 b). The electronic wallet applet A 810 maytransmit at least one of information indicating that the transaction hasbeen confirmed, the transID for notifying of the kind of thetransaction, and the receipt signature (receiptsig_A) to the electronicwallet applet B 820 (824 b). Thereafter, the electronic wallet applet A810 may stop the polling (828 b). The electronic wallet applet A 810 maytransmit the information indicating that the transaction has beenconfirmed to the application 812 of the electronic wallet A (830 b). Theapplication 812 of the electronic wallet A may display the informationindicating that the transaction has been confirmed to the user (832 b).

The electronic wallet applet B 820 may receive at least one of theinformation indicating that the transaction has been confirmed, thetransID for notifying of the kind of the transaction, and the receiptsignature (receiptsig_A). The electronic wallet applet B 820 may graspthe transaction information by using the received transID, and mayverify the receipt signature (receiptsig_A). if the verification of thereceipt signature (receiptsig_A) has succeeded, the electronic walletapplet B 820 may confirm the transaction, and may confirm the amount(e.g., x won) in the waiting state in the electronic wallet B. Theelectronic wallet applet B 820 may delete the transaction record fromthe stage log, and may separately store the transaction record in thetransaction log (826 b). The electronic wallet applet B 820 may transmitthe information indicating the transaction confirmation to theapplication 822 of the electronic wallet B, and may release theuntradeable state (834 b).

FIG. 9 is a flowchart illustrating a payment method of an electronicdevice according to an embodiment of the disclosure.

Referring to FIG. 9 , the illustrated method 900 may be executed by theelectronic device (e.g., the electronic device 300 of FIG. 3 ) asdescribed above through FIGS. 1 to 4, 5A, 5B, 6A to 6F, 7A to 7E, 8A and8B, and the above-described technical features will be omittedhereinafter.

At operation 902, the electronic device (e.g., the electronic device 300of FIG. 3 ) may identify a user input. For example, an application of anelectronic wallet A (e.g., the application 612 of the electronic walletA of FIGS. 6A and 6B) may receive a first command to remit a specificamount (e.g., x won) from a user of the electronic wallet A (e.g., theuser 600 of the electronic wallet A of FIGS. 6A and 6B) having performedthe user authentication (e.g., the 602 a of FIG. 6A) to another externaldevice (e.g., an electronic wallet B). The first command may mean aremittance transaction start command.

At operation 904, the electronic device 300 may display an image and/ortext related to the first command on the display (e.g., the display 330of FIG. 3 ). The image and/or text related to the first command mayinclude indication information for requesting the amount to be depositedto or to be withdrawn from a user.

At operation 906, the electronic device 300 may transmit the firstsignal for requesting the authentication to the external device (e.g.,the external device 302 of FIG. 3 ) in response to the user input. Theelectronic wallet applet A (e.g., the electronic wallet applet A 610 ofFIGS. 6A and 6B) may request the electronic wallet certificate (Cert_B)from the electronic wallet applet B (e.g., the electronic wallet appletB 620), and the electronic wallet applet B may transmit the electronicwallet certificate (Cert_B) to the electronic wallet applet A 610 inresponse to the request from the electronic wallet applet A 610. Theelectronic wallet applet A 610 may receive and verify the electronicwallet certificate (Cert_B) from the electronic wallet applet B 620. Ifthe verification of the electronic wallet certificate (Cert_B) hassucceeded, the electronic wallet applet A 610 may extract the public key(PK_B) of the electronic wallet applet B 620. The electronic walletapplet A 610 may generate a random byte A (random A) for transactionidentification, and may transmit the same together with its owncertificate (Cert_A) and the remittance transaction start command to theelectronic wallet applet B 620.

At operation 910, the electronic device 300 may receive theauthentication related information (e.g., the electronic walletcertificate (Cert_B), and may execute the authentication for transactionwith the external device 302. The electronic device 300 may outputinformation indicating that the authentication of the external device302 has not been performed at operation 914 and thus the payment hasbeen stopped in response to the authentication failure of the externaldevice 302.

At operation 912, the electronic device 300 may transmit the secondsignal including the payment information to the external device 302 inresponse to the authentication success of the external device 302.According to an embodiment of the disclosure, the second signal mayinclude at least one of authentication information of the electronicdevice 300 or information indicating the execution of the paymentprocess. The electronic wallet applet B 620 may verify the certificate(Cert_A) of the electronic wallet applet A 610, and may extract thepublic key (PK_A) of the electronic wallet applet A 610. The electronicwallet applet B 620 may generate a random byte B (random B) fortransaction identification, and may generate a transaction ID togetherwith the received random byte A (random A). The electronic device 300may distinguish not only the IDs of the devices that participate in thepayment but also what kind of transaction is performed by using thetransaction ID. For example, if there are remittance payment of 10,000won and remittance payment of 20,000 won between the electronic devicesA and B, the electronic device A may distinguish that the other party ofthe payment is the electronic device B, and may distinguish whether thepayment is the remittance payment of 10,000 won or the remittancepayment of 20,000 won as well. The transaction amount is merelyexemplary, and the transaction history may be distinguished depending onnot only the transaction amount but also the transaction date.

The electronic wallet applet B 620 may generate a message to be signedafter defining the transaction ID, and may generate a signature message(sig_B) by signing with a secret key (SK_B) of the electronic walletapplet B 620. The signed message may include the contents related to atleast one of transID, transaction amount, ID_A, ID_B, PK_A (or CERT_A),and PK_B (or Cert_B).

At operation 920, the electronic device 300 may identify the response ofthe external device 302 to the second signal. At operation 924, theelectronic device 300 may output the information indicating that theresponse of the external device 302 to the payment is not made and thepayment has been stopped in response to a state where the response ofthe external device to the second signal has not been identified.

At operation 922, the electronic device 300 may transmit the thirdsignal including the information indicating that the payment has beencompleted to the external device 302 in response to the identificationof the response of the external device to the second signal. Accordingto an embodiment of the disclosure, the third signal may include atleast one of the transaction history information of the payment processor information indicating the completion of the payment process.

At operation 930, the electronic device 300 may identify the response ofthe external device 302 to the third signal. At operation 934, theelectronic device 300 may output the information indicating that theresponse of the external device 302 to the payment is not made and thepayment has not been completed in response to a state where the responseof the external device to the third signal has not been identified.Further, the electronic device 300 may temporarily store the informationindicating that the payment has not been completed in the memory (e.g.,the memory 320 of FIG. 3 ). At operation 932, the electronic device 300may complete the payment in response to the identification of theresponse of the external device to the third signal.

An electronic device according to various embodiments may include acommunication module communicable with an external device, a display, amemory, and a processor operatively connected to the communicationmodule, wherein the processor is configured to display at least oneimage and/or text related to payment information on the display inresponse to at least a part of a user input, determine whether to starta payment process using the electronic device in response toidentification of a user authentication, transmit a first signal forrequesting an authentication to the external device in response toidentification of an approach of the external device within apredetermined distance from the electronic device, and transmit a secondsignal related to the payment process by using the communication modulein response to identification of an authentication of the externaldevice, determine whether to complete the payment process using theelectronic device in response to identification of a response of theexternal device for the second signal, and transmit a third signal forindicating that the payment process has been completed to the externaldevice by using the communication module in response to determination ofa completion of the payment process, and control the external device tobe in an untradeable state in response to a case where the response ofthe external device for the third signal is unable to be identifiedwithin a predetermined time after the third signal is transmitted.

According to an embodiment of the disclosure, the processor may beconfigured to control to temporarily store data related to the paymentprocess in an incomplete state in the memory in response to the casewhere the response of the external device for the third signal is unableto be identified within a predetermined time after the third signal istransmitted, and output, on the display, information indicating that theexternal device may be maintained in the untradeable state in case thatan abnormal operation occurs in the payment process, and the externaldevice is unable to re-approach within the predetermined distance fromthe electronic device, in response to identification of the storage ofthe data related to the payment process in the incomplete state.

According to an embodiment of the disclosure, the processor may beconfigured to output, on the display, information indicating existenceof a transaction stored in the incomplete state in response to theidentification of the storage of the data related to the payment processin the incomplete state, and output, on the display, transactioninformation stored in the incomplete state in response to the userinput.

According to an embodiment of the disclosure, the processor may beconfigured to control to output, on the display, information forrequesting to make the external device approach within the predetermineddistance from the electronic device, and control to re-proceed with thepayment process in response to the approach of the external device or tocompletely end the payment processor in response to the at least a partof the user input.

According to an embodiment of the disclosure, the processor may beconfigured to cancel the payment process based on the case where theresponse of the external device for the third signal is unable to beidentified within a predetermined time after the third signal istransmitted, and output, on the display, information indicating that thepayment process has been canceled.

According to an embodiment of the disclosure, the processor may beconfigured to control not to complete the payment process based on thatthe response of the external device for the second signal is unable tobe identified within a predetermined time after the second signal istransmitted, and output, on the display, information indicating whetherto store an identification (ID) of the external device in a blacklist inthe memory.

According to an embodiment of the disclosure, the processor may beconfigured to store the identification (ID) of the external device inthe blacklist in the memory in response to the at least a part of theuser input.

According to an embodiment of the disclosure, the processor may beconfigured to complete the payment process in response to theidentification of the response of the external device for the thirdsignal, and output, on the display, information indicating that thepayment process has been completed.

According to an embodiment of the disclosure, the processor may beconfigured to transmit the first signal for requesting theauthentication to the external device in response to identification inthat the external device performs a tagging operation to approach withinthe predetermined distance from the electronic device, and output, onthe display, information indicating that a transaction with the externaldevice is not possible in response to a case that the authentication ofthe external device is not identified.

According to an embodiment of the disclosure, the second signal mayinclude at least one of transaction history information of the paymentprocess, authentication information of the electronic device, orinformation indicating performing of the payment process.

According to an embodiment of the disclosure, the third signal mayinclude at least one of transaction history information of the paymentprocess or information indicating the completion of the payment process.

According to an embodiment of the disclosure, the processor may beconfigured to identify an identification (ID) of the external device ina blacklist in the memory and confirm a transaction of the paymentprocess in response to reception of a transaction confirmation requestof the payment process that is temporarily stored in the memory in anincomplete state from a server operatively connected to the electronicdevice and the external device, and transmit information indicating thatthe transaction has been confirmed to the server by using thecommunication module.

A payment method using an electronic device may include displaying atleast one image and/or text related to payment information on thedisplay in response to at least a part of a user input, determiningwhether to start a payment process using the electronic device inresponse to identification of a user authentication, transmitting afirst signal for requesting an authentication to the external device byusing a communication module in response to identification of anapproach of the external device within a predetermined distance from theelectronic device, transmitting a second signal related to the paymentprocess by using the communication module in response to identificationof an authentication of the external device, determining whether tocomplete the payment process using the electronic device in response toidentification of a response of the external device for the secondsignal, and transmitting a third signal for indicating that the paymentprocess has been completed to the external device by using thecommunication module in response to determination of a completion of thepayment process, and controlling the external device to be in anuntradeable state in response to a case where the response of theexternal device for the third signal is unable to be identified within apredetermined time after the third signal is transmitted.

According to an embodiment of the disclosure, the payment method usingthe electronic device may further include controlling to temporarilystore data related to the payment process in an incomplete state in thememory in response to the case where the response of the external devicefor the third signal is unable to be identified within a predeterminedtime after the third signal is transmitted, and outputting, on thedisplay, information indicating that the external device may bemaintained in the untradeable state in case that an abnormal operationoccurs in the payment process, and the external device is unable tore-approach within the predetermined distance from the electronicdevice, in response to identification of the storage of the data relatedto the payment process in the incomplete state.

According to an embodiment of the disclosure, the payment method usingthe electronic device may further include outputting, on the display,information indicating existence of a transaction stored in theincomplete state in response to the identification of the storage of thedata related to the payment process in the incomplete state, andoutputting, on the display, transaction information stored in theincomplete state in response to the user input.

According to an embodiment of the disclosure, the payment method usingthe electronic device may further include controlling to output, on thedisplay, information for requesting to make the external device approachwithin the predetermined distance from the electronic device, andcontrolling to re-proceed with the payment process in response to theapproach of the external device or to completely end the paymentprocessor in response to the at least a part of the user input.

According to an embodiment of the disclosure, the payment method usingthe electronic device may further include cancelling the payment processbased on the case where the response of the external device for thethird signal is unable to be identified within a predetermined timeafter the third signal is transmitted, and outputting, on the display,information indicating that the payment process has been canceled.

According to an embodiment of the disclosure, the payment method usingthe electronic device may further include completing the payment processin response to the identification of the response of the external devicefor the third signal, and outputting, on the display, informationindicating that the payment process has been completed.

According to an embodiment of the disclosure, transmitting the firstsignal for requesting the authentication to the external device inresponse to identification in that the external device performs thetagging operation to approach within the predetermined distance from theelectronic device may further include outputting, on the display,information indicating that a transaction with the external device isnot possible in response to a case that the authentication of theexternal device is not identified.

According to an embodiment of the disclosure, the payment method usingthe electronic device may further include: identifying an identification(ID) of the external device in a blacklist in the memory and confirminga transaction of the payment process in response to reception of atransaction confirmation request of the payment process from a serveroperatively connected to the electronic device and the external device,and transmitting information indicating that the transaction has beenconfirmed to the server by using the communication module.

While the disclosure has been shown and described with reference tovarious embodiments thereof, it will be understood by those skilled inthe art that various changes in form and details may be made thereinwithout departing from the spirit and scope of the disclosure as definedby the appended claims and their equivalents.

What is claimed is:
 1. An electronic device comprising: a communicationmodule communicable with an external device; a display; a memory; and atleast one processor operatively connected to the communication module,wherein the at least one processor is configured to: display at leastone image and/or text related to payment information on the display inresponse to at least a part of a user input, determine whether to starta payment process using the electronic device in response toidentification of a user authentication, transmit a first signal forrequesting an authentication to the external device in response toidentification of an approach of the external device within apredetermined distance from the electronic device, and transmit a secondsignal related to the payment process by using the communication modulein response to identification of an authentication of the externaldevice, determine whether to complete the payment process using theelectronic device in response to identification of a response of theexternal device for the second signal, and transmit a third signal forindicating that the payment process has been completed to the externaldevice by using the communication module in response to determination ofa completion of the payment process, and control the external device tobe in an untradeable state in response to a case where the response ofthe external device for the third signal is unable to be identifiedwithin a predetermined time after the third signal is transmitted. 2.The electronic device of claim 1, wherein the at least one processor isfurther configured to: control to temporarily store data related to thepayment process in an incomplete state in the memory in response to thecase where the response of the external device for the third signal isunable to be identified within a predetermined time after the thirdsignal is transmitted, and output, on the display, informationindicating that the external device may be maintained in the untradeablestate in case that an abnormal operation occurs in the payment process,and the external device is unable to re-approach within thepredetermined distance from the electronic device, in response toidentification of a storage of the data related to the payment processin the incomplete state.
 3. The electronic device of claim 2, whereinthe at least one processor is further configured to: output, on thedisplay, information indicating existence of a transaction stored in theincomplete state in response to the identification of the storage of thedata related to the payment process in the incomplete state, and output,on the display, transaction information stored in the incomplete statein response to the user input.
 4. The electronic device of claim 2,wherein the at least one processor is further configured to: control tooutput, on the display, information for requesting to make the externaldevice approach within the predetermined distance from the electronicdevice, and control to re-proceed with the payment process in responseto the approach of the external device or to completely end a paymentprocessor in response to the at least a part of the user input.
 5. Theelectronic device of claim 1, wherein the at least one processor isfurther configured to: cancel the payment process based on the casewhere the response of the external device for the third signal is unableto be identified within a predetermined time after the third signal istransmitted, and output, on the display, information indicating that thepayment process has been canceled.
 6. The electronic device of claim 1,wherein the at least one processor is further configured to: control notto complete the payment process based on that the response of theexternal device for the second signal is unable to be identified withina predetermined time after the second signal is transmitted, and output,on the display, information indicating whether to store anidentification (ID) of the external device in a blacklist in the memory.7. The electronic device of claim 6, wherein the at least one processoris further configured to store the identification (ID) of the externaldevice in the blacklist in the memory in response to the at least a partof the user input.
 8. The electronic device of claim 1, wherein the atleast one processor is configured to: complete the payment process inresponse to the identification of the response of the external devicefor the third signal, and output, on the display, information indicatingthat the payment process has been completed.
 9. The electronic device ofclaim 1, wherein the at least one processor is further configured to:transmit the first signal for requesting the authentication to theexternal device in response to identification in that the externaldevice performs a tagging operation to approach within the predetermineddistance from the electronic device, and output, on the display,information indicating that a transaction with the external device isnot possible in response to a case that the authentication of theexternal device is not identified.
 10. The electronic device of claim 1,wherein the second signal comprises at least one of transaction historyinformation of the payment process, authentication information of theelectronic device, or information indicating performing of the paymentprocess.
 11. The electronic device of claim 1, wherein the third signalcomprises at least one of transaction history information of the paymentprocess or information indicating the completion of the payment process.12. The electronic device of claim 1, wherein the at least one processoris further configured to: identify an identification (ID) of theexternal device in a blacklist in the memory, confirm a transaction ofthe payment process in response to reception of a transactionconfirmation request of the payment process that is temporarily storedin the memory in an incomplete state from a server operatively connectedto the electronic device and the external device, and transmitinformation indicating that the transaction has been confirmed to theserver by using the communication module.
 13. A payment method using anelectronic device, the method comprising: displaying at least one imageand/or text related to payment information on the display in response toat least a part of a user input; determining whether to start a paymentprocess using the electronic device in response to identification of auser authentication; transmitting a first signal for requesting anauthentication to an external device by using a communication module inresponse to identification of an approach of the external device withina predetermined distance from the electronic device; transmitting asecond signal related to the payment process by using the communicationmodule in response to identification of an authentication of theexternal device; determining whether to complete the payment processusing the electronic device in response to identification of a responseof the external device for the second signal, and transmitting a thirdsignal for indicating that the payment process has been completed to theexternal device by using the communication module in response todetermination of a completion of the payment process; and controllingthe external device to be in an untradeable state in response to a casewhere the response of the external device for the third signal is unableto be identified within a predetermined time after the third signal istransmitted.
 14. The method of claim 13, further comprising: controllingto temporarily store data related to the payment process in anincomplete state in a memory in response to the case where the responseof the external device for the third signal is unable to be identifiedwithin a predetermined time after the third signal is transmitted; andoutputting, on a display, information indicating that the externaldevice may be maintained in the untradeable state in case that anabnormal operation occurs in the payment process, and the externaldevice is unable to re-approach within the predetermined distance fromthe electronic device, in response to identification of a storage of thedata related to the payment process in the incomplete state.
 15. Themethod of claim 14, further comprising: outputting, on the display,information indicating existence of a transaction stored in theincomplete state in response to the identification of the storage of thedata related to the payment process in the incomplete state; andoutputting, on the display, transaction information stored in theincomplete state in response to the user input.
 16. The method of claim14, further comprising: controlling to output, on the display,information for requesting to make the external device approach withinthe predetermined distance from the electronic device; and controllingto re-proceed with the payment process in response to the approach ofthe external device or to completely end a payment processor in responseto the at least a part of the user input.
 17. The method of claim 13,further comprising: cancelling the payment process based on the casewhere the response of the external device for the third signal is unableto be identified within a predetermined time after the third signal istransmitted; and outputting, on a display, information indicating thatthe payment process has been canceled.
 18. The method of claim 13,further comprising: completing the payment process in response to theidentification of the response of the external device for the thirdsignal; and outputting, on a display, information indicating that thepayment process has been completed.
 19. The method of claim 13, whereinthe transmitting of the first signal for requesting the authenticationto the external device in response to identification in that theexternal device performs a tagging operation to approach within thepredetermined distance from the electronic device further comprises:outputting, on a display, information indicating that a transaction withthe external device is not possible in response to a case that theauthentication of the external device is not identified.
 20. The methodof claim 13, further comprising: identifying an identification (ID) ofthe external device in a blacklist in a memory and confirming atransaction of the payment process in response to reception of atransaction confirmation request of the payment process from a serveroperatively connected to the electronic device and the external device;and transmitting information indicating that the transaction has beenconfirmed to the server by using the communication module.
 21. Themethod of claim 14, further comprising: storing an identification (ID)of the external device in a blacklist in a memory in response to the atleast a part of the user input.
 22. The method of claim 13, wherein thesecond signal comprises at least one of transaction history informationof the payment process, authentication information of the electronicdevice, or information indicating performing of the payment process.